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Letter: To Make Sense, Apply Attorney

The last steady job I had, an insurance company offered us life insurance at a company discount. I asked for a plan where the payments would always stay the same. I got it, but of course had to pay more.

Years later, I was told I’d have to pay more; again, when I asked for a plan where the rates would always stay the same, they signed me up for that at a higher rate.

Years later, I was told the premiums would be raised from about $35 a month to $50 a month and, to keep the insurance, I’d have to pay them another $200 up front. I reminded them of our agreement not to raise the premiums and was told I wasn’t paying higher premiums, but would have to pay more because the cash value of what I’d paid went down.

In fact, they did give me some documents about the size of the New Testament that was supposed to explain all this.

I went to a local office in Charleston and got the same plan, but I only pay about $35 a month. What I’m saying is, if you want to know what you’re signing, you’ll need a lawyer.